The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$109,177
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,573
−HK$3,450/mo
Today · 4.125%
HK$116,023
baseline
▲ 0.50% · 4.625%
HK$123,083
+HK$7,060/mo
Deposit HK$23.94M · loan HK$23.94M · min. income ≈ HK$232,046/mo (50% DSR)
Upfront cash ≈ HK$25.97M (deposit + AVD stamp duty HK$2,034,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,458
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,716
−HK$3,304/mo
Today · 4.125%
HK$128,020
baseline
▲ 0.50% · 4.625%
HK$134,768
+HK$6,748/mo
Deposit HK$23.94M · loan HK$23.94M · min. income ≈ HK$256,040/mo (50% DSR)
Upfront cash ≈ HK$25.97M (deposit + AVD stamp duty HK$2,034,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,012
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,087
−HK$4,141/mo
Today · 4.125%
HK$139,228
baseline
▲ 0.50% · 4.625%
HK$147,700
+HK$8,472/mo
Deposit HK$19.15M · loan HK$28.73M · min. income ≈ HK$278,456/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,034,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,750
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,659
−HK$3,965/mo
Today · 4.125%
HK$153,624
baseline
▲ 0.50% · 4.625%
HK$161,722
+HK$8,098/mo
Deposit HK$19.15M · loan HK$28.73M · min. income ≈ HK$307,248/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,034,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,848
−HK$9,585/mo
▼ 0.25% · 3.875%
HK$157,602
−HK$4,831/mo
Today · 4.125%
HK$162,433
baseline
▲ 0.50% · 4.625%
HK$172,316
+HK$9,883/mo
Deposit HK$14.36M · loan HK$33.52M · min. income ≈ HK$324,866/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$2,034,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,041
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$174,602
−HK$4,626/mo
Today · 4.125%
HK$179,228
baseline
▲ 0.50% · 4.625%
HK$188,676
+HK$9,448/mo
Deposit HK$14.36M · loan HK$33.52M · min. income ≈ HK$358,456/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$2,034,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,518
−HK$12,324/mo
▼ 0.25% · 3.875%
HK$202,631
−HK$6,211/mo
Today · 4.125%
HK$208,842
baseline
▲ 0.50% · 4.625%
HK$221,549
+HK$12,707/mo
Deposit HK$4.79M · loan HK$43.09M · min. income ≈ HK$417,684/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,625
−HK$11,811/mo
▼ 0.25% · 3.875%
HK$224,488
−HK$5,948/mo
Today · 4.125%
HK$230,436
baseline
▲ 0.50% · 4.625%
HK$242,583
+HK$12,147/mo
Deposit HK$4.79M · loan HK$43.09M · min. income ≈ HK$460,872/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,867 · Scale 2, in force from 26 Feb 2026)